You know you're an adult when......you pay for your heat in the summer because you know you won't be able to afford it if you wait until winter.

This title was suggested by my friend PV31W, who has learned about the cost of heat the hard way. Her last apartment apparently had either a) the least effective furnace in the Midwest, b) completely inadequate insulation, or c) all of the above. It was never warm enough (i.e. above 60) in her apartment, and to make matters worse, she is also a person who just gets cold easily. At one point last winter, she came over to our house and showed us that her hands were a ghastly jaundiced-green color because her body was shutting down circulation to her extremities in an attempt to maintain her core body temperature. Obviously, just putting on a sweater wouldn't solve the problem for her, unless she could also put on mittens, but that would probably have interfered somewhat with her ability to do her homework for college. So she found another apartment, but she also started paying for her electric & gas bill under the level-loading payment plan.